Calculator for owners
If you sell your home, how much money do you keep?
Work out the taxes, selling costs and the approximate net amount you would receive.
Where is the property?
The municipal capital gains tax (plusvalía) depends on each town hall’s by-law.
When and for how much did you buy it?
Date of the title deed. It is used for the plusvalía and for income tax.
Purchase date
What price do you want to sell it for?
Not sure? We will value it for free.
Cadastral value
You will find it on the IBI (council tax) bill. Without the land value we cannot calculate the plusvalía accurately.
Total cadastral value
Cadastral value of the land
Is there a mortgage still to pay?
The outstanding capital is not a cost, but it is deducted from the money you receive at the notary.
Your tax situation
Tick whatever applies. Some exemptions can change the result a lot.
Purchase costs and improvements
Taxes, notary and registry fees you paid when buying, and renovations backed by invoices. They reduce the gain for income tax.
- Municipal capital gains tax (plusvalía)Being verified
- Income tax (IRPF) on the capital gainBeing verified
- Mortgage cancellation and registryBeing verified
- Energy certificate and other costsBeing verified
- Approximate net amountBeing verified
Get your exact calculation
Plusvalía, income tax with any exemptions, costs and the net amount. While we prepare it, we will send you an approximate estimate.
Information only, not tax advice.
Frequently asked questions
What people ask us most
What is the plusvalía municipal?
A town hall tax on the increase in the value of the land. It can be calculated in two ways (objective and real) and the more favourable one applies. If you sell for less than you paid, you may not have to pay it.
Do I have to pay income tax when I sell my home?
If you make money on the sale, yes, unless an exemption applies, such as reinvesting in another main home or being 65 or older and selling your main home, if you meet the requirements.
I live outside Spain. Does anything change?
Yes. There is a special withholding on account of your taxes. We explain it in the calculation we send you.
Is the outstanding mortgage a cost?
No. It is debt that is paid off with the money from the sale. That is why we show it separately: it reduces the cash you receive, not your gain.